[Rakuten Securities Usage Survey 2026] 42.5% of users say 'I don't focus on points' - Gap between image and reality revealed

Survey Background and Overview Since the start of New NISA, interest in online securities has risen, with companies strengthening unique services like point rewards and banking integration. Rakuten Securities is popular for its integration within the Rakuten ecosystem, such as 'Rakuten Points' and 'Rakuten Bank integration'. This survey examined why users continue to use Rakuten Securities and what they prioritize when choosing an online brokerage.

Survey Summary - 'Ease of earning points/point investment' is the top reason for retention (59.59%). - 'Integration with Rakuten Bank' follows closely at 58.22%. - 42.5% of respondents said they 'do not particularly focus on points'. - Over half of the users use other brokerages concurrently.

Key Insight 1: Over 40% 'do not focus on points' When asked about their 'poi-katsu' situation at Rakuten Securities, 'not particularly focusing/not using' was the most common response at 42.5%. Conversely, those who are 'highly satisfied with efficient point accumulation' were only 7.5%. Rakuten Securities is used primarily for its banking integration and low fees rather than as a 'poi-katsu tool'.

Key Insight 2: 'Banking integration' is as popular as point rewards 'Rakuten Points' (59.59%) and 'Rakuten Bank integration (Money Bridge)' (58.22%) are neck and neck as reasons for continued use. This suggests that the high switching costs due to integrated banking operations prevent user churn even as point rates are adjusted.

Key Insight 3: Over half use other brokerages simultaneously In terms of account usage, only 36.88% of respondents use 'only Rakuten Securities', indicating that over 50% use multiple brokerage accounts depending on their objectives.

Survey Overview - Survey Name: Rakuten Securities Usage Survey 2026 - Method: Internet survey (Freeasy) - Valid Responses: 160 - Target: Current and former users of Rakuten Securities - Region: Japan